ABHISHEK KUMAR
BENGALURU
Summary
Dynamic Risk Operations professional with two years of experience in mitigating financial risks and ensuring compliance across diverse financial products. Expertise includes enforcing user policies for merchants in restricted categories, effectively collaborating with international financial partners to uphold stringent compliance standards. Proven ability to conduct thorough reviews of high-risk merchants and implement process improvements that enhance operational efficiency. Recognized for leading teams in fast-paced environments while training new associates to foster a culture of excellence and knowledge sharing. Strong analytical skills and a detail-oriented approach drive success in creating a secure and trustworthy platform.
Overview
2
2
years of professional experience
Work History
Risk Operations Associate
Stripe Technology India Pvt Ltd
06.2023 - Current
- Mitigated risk and enforced compliance within the User Policy Operations team at Stripe, safeguarding against financial crime across diverse industries.
- Enforced policies for high-risk and restricted merchant categories including Adult Content, Alcohol, Crypto, Debt Services, Gambling, Healthcare, Marijuana, and Weapons.
- Identified and addressed threats such as identity fraud, transaction laundering, and unauthorized product use through in-depth merchant and transaction reviews.
- Collaborated with global financial institutions (e.g., Alipay, WeChat Pay) to align merchant operations with regional risk guidelines, especially in the Chinese market.
- Conducted due diligence for new merchant onboarding, assessing business models and compliance for Capital loan eligibility and prohibited categories.
- Ensured integrity of Stripe Issuing by monitoring payment behavior, detecting anomalies, and validating alignment with approved use cases.
- Led policy enforcement on Violent Extremism cases, promoting platform safety and regulatory compliance.
- Worked closely with Visa and Mastercard on transaction laundering investigations; supported programs like Business Risk Assessment & Mitigation (BRAM) and Visa Integrity Risk Program (VIRP).
- Partnered with banks like PNC to ensure merchant alignment with institutional risk expectations.
- Successfully migrated thousands of accounts during the Code Yellow BIN sponsor transition, ensuring minimal disruption to users.
- Created a streamlined case assignment system via Google Sheets, reducing task allocation time by 75% and boosting team efficiency.
- Acted as shift captain, managing a team of 15+ associates, resolving escalations, and optimizing team performance and morale.
- Selected as in-house trainer for User Policy Ops; onboarded and trained 5+ associates to operational readiness.
Education
BBA - Finance
Ramaiah College of Arts, Science And Commerce
Bengaluru01.2023
12th - PCB
DON BOSCO ACADEMY
PATNA01.2019
10th - undefined
ST.XAVIER'S HIGH SCHOOL
PATNA01.2017
Skills
- Technical Skills: Risk Management, Policy Enforcement, Data Analysis, Excel, Fraud Prevention, Compliance, Risk Assessment, Process Improvement
- Soft Skills: Communication, Teamwork, Problem-Solving, Leadership, Adaptability, Time Management, Organization, Detail-Oriented, Analytical Skills, Collaboration
- Core Competencies: Risk Assessment and Mitigation, Policy Analysis and Enforcement, Stakeholder Collaboration and Communication, Problem Solving and Process Improvement, Data Analysis and Interpretation
Accomplishments
- Honoured with the Stripe Excellence Award for outstanding performance and contributions to the team in Q2.
- Recognized as a Risk Harmony Hero within the User Policy Operations team at Stripe for exceptional contributions to risk management efforts.
Timeline
Risk Operations Associate
Stripe Technology India Pvt Ltd
06.2023 - Current
12th - PCB
DON BOSCO ACADEMY
10th - undefined
ST.XAVIER'S HIGH SCHOOL
BBA - Finance
Ramaiah College of Arts, Science And Commerce
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